The Experian software uses customer-centric scorecard and analytics to help with the targeting and acquisition of new business, through to day-to-day customer management and the development of profitable customer relationships.

Coupled with data services provided by Experian at the marketing stage, the system will be used by Barclaycard to exploit its knowledge of the market and its prospective customers to make accurate new business decisions.

Keith Coulter, chief operating officer at Barclaycard UK consumer finance says the deployment of sophisticated logic in the application process is critical if the bank is to maintain the growth of its cardholder portfolio.

"Organisations like Barclaycard use significant data sources and data intelligence to help us not only accept or decline an applicant but also determine the right product, terms and other customer service opportunities," he says. "Because of Strategy Management's flexibility, we are able to create a totally unique decisioning solution at the very heart of our application processing."